| Key Financial Ratios of Karnataka Bank (in Rs. Cr.) |
Mar 25 |
Mar 24 |
Mar 23 |
Mar 22 |
Mar 21 |
|
| Per Share Ratios |
|
|
|
|
|
|
| Basic EPS (Rs.) |
33.69 |
39.84 |
37.88 |
16.36 |
15.52 |
|
| Diluted EPS (Rs.) |
33.61 |
39.66 |
37.66 |
16.29 |
15.48 |
|
| Cash EPS (Rs.) |
35.92 |
36.53 |
40.55 |
18.71 |
17.89 |
|
| Book Value [Excl. Reval Reserve]/Share (Rs.) |
306.55 |
274.18 |
246.61 |
213.25 |
198.69 |
|
| Book Value [Incl. Reval Reserve]/Share (Rs.) |
319.76 |
287.56 |
262.95 |
228.00 |
213.66 |
|
| Dividend/Share (Rs.) |
5.00 |
5.50 |
5.00 |
4.00 |
1.80 |
|
| Operating Revenue / Share (Rs.) |
238.49 |
219.97 |
231.16 |
199.94 |
200.48 |
|
| Net Profit/Share (Rs.) |
33.67 |
34.63 |
37.79 |
16.35 |
15.52 |
|
| Per Employee Ratios |
|
|
|
|
|
|
| Interest Income/ Employee (Rs.) |
10,301,261.71 |
9,316,840.13 |
8,345,158.58 |
7,302,422.18 |
7,401,038.71 |
|
| Net Profit/ Employee (Rs.) |
1,454,134.63 |
1,466,581.68 |
1,364,127.14 |
596,971.24 |
573,054.74 |
|
| Business/ Employee (Rs.) |
207,255,965.49 |
190,374,388.57 |
170,272,346.63 |
160,997,635.68 |
151,227,358.86 |
|
| Per Branch Ratios |
|
|
|
|
|
|
| Interest Income/ Branch (Rs.) |
94,680,714.29 |
90,103,251.90 |
80,135,751.39 |
70,942,573.55 |
72,554,303.84 |
|
| Net Profit/ Branches (Rs.) |
13,365,207.98 |
14,183,325.73 |
13,099,254.16 |
5,799,538.20 |
5,617,804.42 |
|
| Business/ Branches (Rs.) |
1,904,926,153.36 |
1,841,112,572.20 |
1,635,068,083.24 |
1,564,081,933.87 |
1,482,521,058.21 |
|
| Key Performance Ratios |
|
|
|
|
|
|
| ROCE (%) |
1.53 |
1.90 |
2.27 |
1.81 |
2.37 |
|
| CASA (%) |
31.75 |
31.96 |
32.97 |
32.96 |
31.48 |
|
| Net Profit Margin (%) |
14.11 |
15.74 |
16.34 |
8.17 |
7.74 |
|
| Operating Profit Margin (%) |
27.78 |
28.28 |
28.25 |
14.76 |
13.11 |
|
| Return on Assets (%) |
1.05 |
1.12 |
1.19 |
0.55 |
0.56 |
|
| Return on Equity / Networth (%) |
10.98 |
12.62 |
15.32 |
7.66 |
7.81 |
|
| Net Interest Margin (X) |
2.73 |
2.84 |
3.21 |
2.70 |
2.55 |
|
| Cost to Income (%) |
60.10 |
53.15 |
47.14 |
52.56 |
45.64 |
|
| Interest Income/Total Assets (%) |
7.45 |
7.14 |
7.28 |
6.75 |
7.28 |
|
| Non-Interest Income/Total Assets (%) |
1.04 |
1.13 |
1.00 |
1.03 |
1.74 |
|
| Operating Profit/Total Assets (%) |
0.00 |
-0.01 |
0.18 |
-0.48 |
-1.18 |
|
| Operating Expenses/Total Assets (%) |
2.27 |
2.11 |
1.98 |
1.96 |
1.96 |
|
| Interest Expenses/Total Assets (%) |
4.71 |
4.30 |
4.07 |
4.05 |
4.73 |
|
| Valuation Ratios |
|
|
|
|
|
|
| Enterprise Value (Rs. Cr) |
105,859.04 |
103,293.41 |
87,976.05 |
80,467.37 |
74,454.62 |
|
| EV Per Net Sales (X) |
11.74 |
12.45 |
12.18 |
12.93 |
11.95 |
|
| Price To Book Value (X) |
0.57 |
0.82 |
0.55 |
0.26 |
0.31 |
|
| Price To Sales (X) |
0.74 |
1.02 |
0.59 |
0.28 |
0.31 |
|
| Retention Ratios (%) |
83.67 |
88.02 |
89.44 |
88.99 |
100.00 |
|
| Earnings Yield (X) |
0.19 |
0.15 |
0.28 |
0.30 |
0.25 |
|
Source : Dion Global Solutions Limited
